To establish current savings behavior, one necessary measurement of retirement preparation is identifying the percentage of workers with employment-based retirement plans, as well as understanding the characteristics of workers with and without access to such programs. The findings from this...

This paper focuses on the decisions that workers make at job change upon receipt of a lump-sum payment from an employment-based retirement plan. The number and level of the lump-sum distributions (LSDs) are estimated, followed by a discussion of what individuals do with these distributions and...

Individual retirement accounts (IRAs) are a vital component of U.S. retirement savings, representing more than 25 percent of all retirement assets in the nation. A substantial portion of these IRA assets originated in other tax-qualified retirement plans, such as defined benefit (pension) and...

This paper is the fifth examination of asset allocation from the EBRI IRA Database, an ongoing project that collects data from IRA plan administrators. For 2013, it contained information on 25.8 million accounts with total assets of $2.46 trillion. The number of IRAs in the database with...

To establish existing savings behavior, it is necessary to estimate the percentage of workers with an employment-based retirement plan, and to know the characteristics of workers with and without a plan - the subject of this paper. The findings show that there has been a significant increase in...